First Tech Relocation Program

When you decide to relocate, moving your finances should be the least of your concerns.
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First Tech specializes in serving the needs of the world's most forward-thinking companies, including HP, Microsoft, Agilent Technologies, Amazon, Cisco and many more. Our Relocation ProgramSocial Security number required at application. can help you move your money quickly and easily.

Why apply for First Tech Relocation Program

  • A single point of contact for all your financial needs
  • Preferred product and service incentives
  • Over 30 locations across the US with hubs in Washington, Oregon, & California
  • 5,000+ CO-OP Shared Branches, and 30,000 surcharge-free CO-OP ATMs
  • Leading security practices that protect your information
  • Access to educational resources with insight and tips on how the U.S. banking system works

Benefits for Foreign Nationals

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  • Open checking and savings accounts up to 60 days prior to arriving in the USA. Wire money to the account and have it waiting when you arrive.
  • No Social Security number required to establish savings and checking accounts
  • Preferred loanSocial Security number required at application. and credit cardSocial Security number required at application. rates with little to no established U.S. credit
  • Favorable insuranceInsurance products and services offered through First Tech Insurance Services, a wholly owned subsidiary of First Tech Federal Credit Union. rates with little to no established insurance history

Relocation process

Number 1 Step 1

Submit your information above and a specialist will be in touch to help you open your accounts (up to 60 days prior to US entry). You'll then have the ability to wire funds.

Number 2 Step 2

After you arrive in the US you can visit a First Tech branch to obtain your new debit card, if you elected to have it mailed to your new address (home or business) you may not need to visit a branch.

Number 3 Step 3

Once you obtain your US Social Security Number you will have access to several unique credit products from First Tech. These include credit card, auto loan, mortgage, personal loans and person line of credit.

Eligible products and services

As a relocating employee, you’re eligible for First Tech Federal Credit Union products and services. 

First Tech Product or Service

Eligible without a Social Security number

Eligible with a Social Security number

Savings (more info)

Checking (more info)

Credit Card (more info)

 

Auto Loan (more info)

 

InsuranceInsurance products and services offered through First Tech Insurance Services, a wholly owned subsidiary of First Tech Federal Credit Union. (more info)

 

Personal Loan (more info)

 

Home LoanHome loan discounts cannot be combined with other promotions and only apply to relocating employees moving through company- sponsored relocation programs. You may start the application process before you have your Social Security number; however, it is required prior to loan closing. APR = Annual Percentage Rate. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Restrictions apply. (more info)

 

Online and Mobile Banking (more info)

 

Frequently asked questions

What is a Credit Union?

Credit unions are like banks; we accept deposits, make loans, and provide an array of other financial services. But, as a not-for-profit financial cooperative, we return profits back to our members in the form of reduced fees, higher savings rates, and lower loan rates.

First Tech Federal Credit Union specializes in serving the needs of the world's most forward-thinking companies, including HP, Microsoft, Agilent Technologies, Amazon, Cisco and many more.

Unlike a traditional bank, First Tech is governed by a 100% volunteer Board of Directors comprised of First Tech members. 92% of our existing users have recommended FT to others (based on a survey we conducted on the Amazon campus).

Why First Tech?

  • Seventh largest credit union in the United States with over 620k members.
  • Insured by the National Credit Union Administration (NCUA), which has rated First Tech among the safest credit unions in the country.
  • First Tech is a not-for-profit, member-owned credit union.
  • In 2017, First Tech donated more than $3.1 million in charitable causes.

What is the First Tech Relocation program?

The Relocation Program at First Tech helps employees moving with an employer set up accounts and credit to ease your financial transition to the U.S.. A First Tech employee can help you set up accounts and direct deposit prior to moving and up to 12 months after you arrive in the U.S.

What kind of assistance can First Tech offer for members that are relocating to the U.S.?

We understand the unique challenges of international relocation and can help you move your money quickly and easily from 60 days before you move to 12 months after you arrive in the U.S. Our relocation program can help you set up your account, and works with your employer to establish direct deposit and more.

Can I have my payroll check deposited directly into my First Tech Federal Credit Union account?

Direct deposit is available for both First Tech checking and savings accounts. These accounts may be opened from outside of the U.S. up to 60 days before arriving in the U.S., and before your Social Security Number has been awarded. Your money is available in your checking or savings account as soon as your employer releases the funds.

Do I need credit history to get a loan?

No, First Tech does not require a loan applicant to have credit history when relocating with an approved employer. Contact a First Tech employee to learn more.

Do I need a social security card to open a checking or savings account?

No, First Tech does not require a social security card to open a checking or savings account.

Does First Tech have branches available near me?

You can find us wherever you are through our 42 branch locations, over 5,400 CO-OP Shared Branch locations, 30,000 CO-OP Network ATMs, and our online platforms.

Do you provide mortgage relocation loans?

Employees from select companies are eligible for mortgage relocation loans with no credit history. Contact a First Tech employee to learn more.

Can First Tech's relocation assistance help me establish credit in the U.S.?

As soon as you receive your U.S. Social Security Number (SSN), a First Tech employee can help you establish credit by setting up checking and savings accounts, and providing assistance for services like auto loans and mortgages. Having additional lines of credit helps you to start growing your U.S. credit immediately, which will improve your financial stability.

Who can apply for the Relocation program?

The following people are eligible for the relocation program:

  • Non-U.S. citizens coming to the U.S. with little to no US credit on a work-visa under contract with one of First Tech’s approved relocation partners may apply for the Financial Relocation Program.
  • H-1B, L1, E3, TN and O1 VISAs are eligible to apply for the First Tech Relocation Program.
  • If you are a non-U.S. citizen who has a Social Security Number (SSN) and have been in the U.S. for less than 12 months, you may also be eligible.

Are non-U.S. spouses and dependents eligible for relocation financial services (if they have a H4 visa)?

Spouses and dependents are eligible for the First Tech relocation program if they meet the following criteria.

  • If your spouse or dependent can receive a Social Security Number, First Tech can open individual accounts for them for you.
  • If they are in the process of applying for a Social Security Number, a W9 form must be submitted until the Social Security Number is available.
  • If no Social Security Number is available, your spouse or dependent may provide a W8BEN (Certificate of Status of Beneficial Owner for United States Tax Withholding and Reporting).

Can a member's family members join First Tech Federal Credit Union?

Immediate family members of a current First Tech member are eligible to join First Tech.

Does First Tech offer any specific services for Microsoft employees?

Microsoft employees are eligible for several exclusive offers from First Tech. Schedule an appointment to learn more.

Does First Tech offer any specific services for Amazon employees?

Amazon employees are eligible for several exclusive offers from First Tech. Schedule an appointment to learn more.

What information will non-U.S. applicants need to provide?

Non-U.S. citizens need to provide the following along with your application:

Form of photo identification (U.S. government issued driver’s license, state ID, passport, passport card, U.S. Global Entry identification card)
Mailing address verification (if no U.S. address yet, you may use your work address)
TIN (Taxpayer Identification Number) verification
Copy of your Passport
Copy of your VISA
Employment verification or an offer letter
Arrival date
For short term relocations- list your departure date.

Can I use the Relocation program if I don't have a U.S. Social Security Number (SSN)?

A Social Security Number (SSN) is NOT required to establish savings and checking accounts at First Tech.

A Social Security Number IS needed when applying for a credit card, personal or auto loan, insurance, mortgage (home loan) and online or mobile banking (view table above.)

Can you provide me with a credit card if I don't have a Social Security Number (SSN)?

First Tech cannot offer a credit card without a Social Security Number.

Once a Social Security Number is established, you can apply for a credit card with little to no established U.S. credit.

Can I apply from outside the U.S. if I accepted a relocation offer for a new position?

A First Tech employee can set up a checking or savings account up to 60 days before your arrival in the U.S..

Once you arrive in the U.S., a First Tech employee must verify your employment within 30 days.

Will I have to close my account at First Tech Federal Credit Union if I leave my job or relocate?

Your membership and account with First Tech is valid as long as you (the member) continue to live within the U.S. If you move outside of the U.S., the account needs to be closed.

Do I need a Social Security Number to apply?

First Tech requires a Social Security Number to apply for select accounts. See the chart above for details.

How soon before my actual move date should I think about setting up a mortgage relocation loan?

You may apply for a mortgage without a Social Security Number and start the process outside of the U.S., 60 days before you move. Contact a First Tech employee to discuss your mortgage relocation options.

How long does it take to find out if my application was approved?

Most loan and credit applications are approved within 24 hours.

Membership application approval time depends on the employer. Most applicants are approved instantaneously.

Contact us

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